Photovoltaic systems serve to generate environmentally-friendly power and are also very long-lasting. These benefits come at a price, however. Thus, a system on the roof of a detached house can quickly add up to just as much as an upper mid-range car. Helvetia offers the possibility of protecting your investment in the environment with a comprehensive insurance policy.
The photovoltaics insurance offers comprehensive insurance protection and covers the biggest risks in case of a claim. Helvetia refunds the cost of the replacement of the affected items in the condition they were in directly before the damaging incident.
Included in the cover is the entire photovoltaic system including cabling and inverter. The insurance covers unforeseen damages that occur suddenly (including loss of income), particularly as a consequence of:
Fire, smoke, lightning, explosion
High water, flood, storm, hail, avalanche, snow pressure, rockslide, falling rocks, landslide
Risks from fire and natural forces can be excluded where these are already covered as a compulsory element of the buildings insurance.
Burglary, theft, robbery
Outages resulting from insured operating risks or those relating to fire, natural forces and theft.
In addition, the photovoltaics insurance covers the disassembly and reassembly costs of your photovoltaic system as a result of sudden and unforeseen damage occurring to the roof.
Also insured are damages to the area used by the system resulting from the operation or maintenance of the photovoltaic system.
The system liability can also be insured. This supplementary cover insures against property damage and bodily injury involving third parties. This is recommended primarily for systems on roofs belonging to other people.
During the assembly period, there may be risks to persons and property near to the building activity, and the property owner is liable for these according to article 679 of the CC. Often these risks are not covered in the property owner’s private liability insurance during the construction and assembly period. With builder’s liability insurance, you can protect yourself from the financial consequences of such damages.
Two inverters fail in a system as a result of defective circuit boards and cannot be supplied immediately by the manufacturer.
Claim amount CHF 8,000
Unknown vandals throw stones at a photovoltaic system and destroy several modules in the process. The perpetrators could not be apprehended nor identified subsequently.
Claim amount CHF 4,600
Martens maul the wiring and bite through the inverter cabling.
Claim amount CHF 6,800
A flat roof that was renovated two years ago is suddenly and unforeseeably leaking. In order to repair it, the system has to be dismantled and the damage located and rectified.
Claim amount CHF 10,200.
The cantonal buildings insurance covers homeowners in the case of damage resulting from fire, water or natural forces (e.g. flooding, storms or hail). Sometimes the risk to photovoltaic systems from fire and natural forces can/must be insured by the relevant cantonal buildings insurance. You will need to enquire about this directly with the buildings insurance providers.
The Helvetia photovoltaics insurance provides much greater cover though. With our solution, operating risks, theft risk, loss of income and damage to the surface used, as well as dismantling and reassembly in the event of roof damage are all insured in addition. Furthermore, we also cover the loss of income if a fire or natural disaster occurs, which is not covered by the cantonal buildings insurance.
Naturally older downhole heat exchangers can also be insured with us without any difficulty.
In addition to the basic cover and the loss of income (these benefits are outlined under the question above), the Helvetia photovoltaic insurance comprises two further relevant elements that are always included in the insurance:
This cover applies for the costs of the surface used (roof) that can be traced back to the operation or maintenance of the system. These costs are insured for the first risk with CHF 5,000.
This cover includes the costs arising as a consequence of sudden and unforeseen damage to the roof, the repair of which requires dismantling and reassembly. These costs are covered up to an amount of CHF 30,000.
Sometimes the risks from fire and natural forces can/must be insured by the relevant cantonal buildings insurance. You will need to enquire about this directly with the buildings insurance providers.
The Helvetia photovoltaics insurance provides much greater cover though. With our solution, operating risks, theft risk, loss of use and disassembly and reassembly in the event of roof damage are insured in addition. What’s more, we also pay out for covered events involving fire and natural forces where the buildings insurance rejects the damages.